The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$56,915
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,798/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,681/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,722/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,256
+HK$3,518/mo
Deposit HK$12.48M · loan HK$12.48M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,298
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$2,158/mo
Today · 4.125%
HK$72,581
baseline
▲ 0.50% · 4.625%
HK$76,998
+HK$4,417/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$145,162/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,981
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,019
−HK$2,067/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,308
+HK$4,222/mo
Deposit HK$9.98M · loan HK$14.98M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,681
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,160
−HK$2,518/mo
Today · 4.125%
HK$84,678
baseline
▲ 0.50% · 4.625%
HK$89,830
+HK$5,152/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$169,356/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,645
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,022
−HK$2,412/mo
Today · 4.125%
HK$93,434
baseline
▲ 0.50% · 4.625%
HK$98,359
+HK$4,925/mo
Deposit HK$7.49M · loan HK$17.47M · min. income ≈ HK$186,868/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,447
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$105,634
−HK$3,238/mo
Today · 4.125%
HK$108,872
baseline
▲ 0.50% · 4.625%
HK$115,496
+HK$6,624/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$217,744/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,972
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,028
−HK$3,101/mo
Today · 4.125%
HK$120,129
baseline
▲ 0.50% · 4.625%
HK$126,461
+HK$6,332/mo
Deposit HK$2.50M · loan HK$22.46M · min. income ≈ HK$240,258/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$1,060,801 · Scale 2, in force from 26 Feb 2026)